Own Damage Car Insurance

​Save on premiums by paying based on actual kilometers driven with this add-on. You can choose between 2,500 and 10,500 km* based on your car’s usage. So, if you stay very close to your workplace or have permanent work from home, this is the best option to save on premiums.​​​

Nil depreciation, also known as bumper to bumper, add-on ensures you receive the full claim amount for replacing parts like plastic, rubber, and fiber without deductions for depreciation. This is a must-have for new or high-value cars.

This add-on ensures that you receive the complete purchase amount (including taxes and registration fees) in case your car gets damaged in an accident, is stolen or cannot be repaired. Typically, without this add–on, the claim received is after deducting the deductible amount.

The engine is the most important part of your car, and engine repairs can be expensive. This add-on covers the repair costs of the car engine or its parts for damages caused by water ingression (water entering the engine), oil leakage, or accidental impact.

This add-on covers repairs and replacement of tyres and tubes damaged by accidents, cuts or bursts or bulges caused by poor road accidents. Since tyre replacements can be costly, this add-on will ensure your out-of-pocket expenses are reduced.

Most modern vehicles rely on smart keys and remote locking systems, making their replacement costly in case of loss or damage. Hence, this add-on covers key replacement, lockset repairs and even smart key reprogramming.

When your ​car is damaged, the repair process also involves replacing minor consumables, such as nuts, bolts, oil or brake fluids. These costs can go up to 5%-10%* of the total cost. This add-on covers the consumables costs, ensuring complete protection​​.​

Since your stylish rims can sustain damage due to accidents, curbs or poor road conditions, repairing them can be expensive. ​This add-on covers the repair and replacement cost of all four of your car’s rims, which are typically not covered under a standard policy.

With this add-on, you receive emergency services like towing, fuel delivery, flat tyre replacement, battery jumpstarts and on-site repairs at any time and anywhere. Simply call the helpline number (022 48903009) or use the ​Reliance Self-i App for assistance.

If valuable items like your laptop, phone, or bags (worth ₹5,000 or more) are stolen from your locked car, this add-on provides compensation. It reduces the financial strain and helps you recover*, making it ideal for those who frequently carry work or personal items in their vehicle.

If your car is being repaired at any of our network garages for more than 3 days, you can rely on this cover for support. It provides you with a daily cash allowance for alternate travel costs like cab fares or train tickets until your car is back on the road.

​​​If your car is undergoing repairs at a garage for over 21, 42, or 63 days*, this covers your monthly car loan EMIs for the chosen tenure. This add-on​​ cover will ​reduce financial stress during unexpected delays, making it ideal for those who pay high monthly EMIs.​​​

Protects your electric or hybrid car's battery from damage caused by accidents, water, power surges or mechanical shocks. Since EV batteries are expensive, this add-on is a must-have for EV owners.

The electric motor is vital for your EV’s functioning, but it’s vulnerable to water damage, short circuits, overheating, etc. This add-on covers repair costs for motor damage, sparing you from unexpected expenses.

Covers the repair or replacement of your home EV charger, whether damaged by accidents, rat bites, fires, or theft. This add-on ensures your charging equipment stays protected.

Your NCB discount is only applicable as long as you don't file a claim. But with this add-on, you can retain your NCB discount after filing one claim during the policy year. This way, you can still use your car insurance coverage for major repair costs and enjoy your premium discount.

This add-on safeguards any electrical accessories you’ve installed in your car, such as audio systems, parking camera, GPS device, or rearview cameras. These are usually excluded from standard insurance, but with this add-on, your additional upgrades are protected.

Customisations such as alloy wheels, decorative fittings, seat covers or bumper guards are not included in regular insurance. This add-on covers their repair or replacement if damaged in an accident, keeping your personalised fittings secure.

Planning a road trip to Nepal, Bhutan or Srilanka? This add-on extends your policy coverage to India’s 6 select neighbouring countries*. With this add-on, you can ensure that your car is protected during your most-awaited international trip.